Our Mission – to help you.
Our mission at Defined Mortgage Services Inc. is to use our experience and contacts in the financial industry to source mortgage financing to meet your needs and objectives.
We specialize in financing for self-employed applicants, applicants with past or current credit challenges, applicants who want to re-establish credit after bankruptcy or consumer proposal and Debt Consolidation
Has your lender offered you the going rate to renew? Have they taken the time to discuss your current needs and wants? Do you need to renovate, pay for your child’s education or want to take a well-deserved vacation? Consult with Defined Mortgage Services to plan and execute a strategy that works for you.
Whether you are buying your first home, upgrading or downsizing, trust Defined Mortgage Services to determine the best mortgage product, term and rate applicable to your personal circumstances. Call us for an initial consultation when considering a purchase and provide purchase agreement and listing when you enter into an agreement to purchase and we will do the rest.
Have circumstances gotten in the way of your financial wellbeing? Are you on the never-never plan meeting minimum monthly payments? Tossing and turning at night due to credit card debt, personal income tax or property tax arrears? Trust Defined Mortgage Services to consolidate debt into one manageable monthly payment.
Our Latest Articles
With many of us spending more time at home this year, now is a great time to start that organic garden you’ve always wanted! As someone with friends who grow their own herbs and vegetables, it can seem pretty daunting at first - but if they can do it, so can you.1....read more
Did you know the biggest difference between getting your mortgage from a bank vs. a mortgage broker is that the bank only has access to their products, while I, your mortgage broker, have access to hundreds of different lending institutions and mortgage products to...read more
As a Canadian homebuyer or homeowner, your borrowing power is impacted by a few factors. Recent changes to the lending policies announced by CMHC, The Bank of Canada’s qualifying rate and your banks’ Prime Rate and mortgage stipulations are all things to consider when...read more
Summer is just around the corner and doesn’t stick around for long, so make sure you enjoy it! We have some great tips for staying cool AND saving money while you do.1. Use Portable and Ceiling FansInstead of cranking the A/C (and your electricity bill) consider...read more
Getting pre-approved can be a vital step to the home-buying process! But don’t confuse this with pre-qualification; you can get a pre-qualification through the My Mortgage Planner app to determine what you might qualify for. Pre-approval, on the other hand, means that...read more
There have been recent announcements in the mortgage space and we want to ensure that you are always "in the know".CMHC announced changes to their mortgage rules, which go into effect on July 1st. These changes include limiting the Gross/Total Debt Servicing (GDS/TDS)...read more